It's always important to keep up to date with your investment options.

When you join the Super SA Income Stream, you can choose to invest your super across any combination of the investment options available to you. If you don’t choose an investment option your funds will automatically be invested 60% in Moderate and 40% in Conservative options.

If you decide to switch your investments options you just need to keep in mind that you can't switch within seven business days of opening your account.

Before choosing an investment option you should think about:

  • your current financial position
  • your age
  • your plans for the future
  • how long your Income Stream will need to last
  • your risk and return preferences.

Each option has different objectives and characteristics for you to consider.

Investment Option Target rate of return1 Investment Horizon Risk of negative return
High Growth Inflation + 4.5% 10 yrs + On average 4 to 6 years in 20
Socially Responsible The Socially Responsible option provides investors with risk and return characteristics likely to be similar to that of an industry growth fund. The risk of negative return is on average 4 to 6 years in 20.
Growth2 Inflation + 4.0% 10 yrs + On average 4 to 6 years in 20
Balanced Inflation + 3.5% 10 yrs + On average 4 to 6 years in 20
Moderate Inflation + 3.0% 6 yrs + On average 3 to 4 years in 20
Conservative Inflation + 2.0% 4 yrs + On average 2 to 3 years in 20
Capital Defensive Inflation + 1.5% 2 yrs + On average between 0.5 and one year in 20
Cash The Reserve Bank of Australia cash rate 0 yr + On average less than 0.5 years in 20

 

Generally speaking, as the risk of negative return rises, so does the potential for a higher return.

As well as understanding the general risks of investing it's important to consider the level of risk involved with each investment option.

To switch investment options, log into our online member portal or complete the Investment Choice form and return it to Super SA.

Take an interest in how your super is invested.

Find out more about each investment option and use the ‘What Type of Investor Am I?’ Calculator along with a qualified financial adviser to help you assess your situation and understand your options.

Check out your investment option’s track record with rates of return.

Keep tabs on how your super is growing with the latest unit prices.

Analysing the market as a whole and knowing how different financial markets are performing can help with your decision. Find out more in the Investments section.

1 Investment objectives state what each option aims to achieve. They are designed to help members with their investment decisions. The objectives have been developed having regard for the long term performance and characteristics of financial markets and taking into account expert advice provided by specialist investment advisor, JANA. There is no guarantee, however, that the objectives will be met. This is because financial markets are volatile and future returns may vary from past returns. Indeed, for funds with exposure to growth assets there is a material likelihood that returns may be negative in any particular year.

2 Please note, the Growth option will no longer be available after 25 January 2021.

Investment performance 

Rates of return give you a recent and longer term perspective of how each option has performed. It is important to remember that past performance should not be taken as an indication of future performance. Analyse returns in relation to the performance of the market as a whole to get the big picture.

 

Rates of returns to 30 November 2020
net of investment fees.
Investment Option 1 mth 3 mths FYTD 1 year 3 years 5 years 10 years
  % % % % % p.a. % p.a. % p.a.
High Growth 6.85 6.77 10.58 3.95 7.68 9.39 9.77
Socially Responsible~ 5.83 5.24 9.63 3.35 6.85 7.16 8.29
Growth 6.95 6.82 10.42 4.87 7.44 8.74 9.07
Balanced 6.16 6.2 9.36 4.43 6.98 8.11 8.55
Moderate 4.37 4.48 6.98 2.95 5.69 6.7 7.4
Conservative 3.2 3.18 5.3 2.57 4.85 5.61 6.53
Capital Defensive 1.85 1.98 3.44 2.13 3.88 4.34 5.3
Cash 0.01 0.05 0.09 0.53 1.36 1.61 2.57

~ Option introduced on 1 March 2009

 

Monthly asset allocations

Month:

Asset class High
Growth		 Growth Balanced Moderate Conservative Capital
Defensive		 Cash
  % % % % % % %
Cash 3.3 4.3 4.2 9.2 11.4 16.3 100.0
Fixed
Interest		 6.8 14.8 21.9 33.8
Inflation
Linked
Securities		 5.4 11.4 15.4 15.4
Diversified
Strategies
Income		 11.5 11.5 7.6 11.6 17.5 16.5
Property 14.1 12.1 10.5 8.5 7.6 4.6
Australian
Equities		 27.3 28.3 26.5 17.8 11.9 6.2
International
Equities		 32.4 32.4 29.6 20.4 14.3 7.2
Diversified
Strategies
Growth		 11.4 11.4 9.4 6.3
Total 100 100 100 100 100 100 100

Socially Responsible option

Super SA’s Socially Responsible option invests in AMP Capital’s Responsible Investment Leaders (RIL) Balanced Fund and therefore does not invest in the asset class portfolios listed above. Its asset allocation is available in the Target Manager Allocation section of the Fund’s summary webpage on the AMP Capital website.

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